Best Car Insurance Companies in India 2025

Delhi [India], October 10: Owning a car in India is more than a convenience. It symbolises freedom, independence and lifestyle comfort. However, along with this joy comes responsibility, and protecting your vehicle through car insurance is a crucial step. Car insurance shields you from unexpected financial burdens arising from accidents, theft, natural disasters or legal liabilities. Beyond legal compliance, a robust car insurance policy ensures peace of mind and smooth resolution of unfortunate events. Choosing the right insurer can be overwhelming given the wide range of options. To simplify your decision, we have analysed the top car insurance providers in India in 2025, highlighting their coverage, claim settlement performance and customer benefits. Top Car Insurance Companies to Consider in India Car Insurance Company Claim Settlement Ratio Network Garages ACKO Car Insurance 99.10% 4000+ SBI General Car Insurance 98% 7000+ Digit Car Insurance 96.10% 9000+ Tata AIG Car Insurance 91.80% 7500+ Reliance General Car Insurance 98% 11000+ ACKO Car Insurance ACKO Car Insurance plans offer stress-free claims, good customer support, and other benefits. Most of their customers have provided positive reviews for their service. They provide convenient, affordable, and efficient service, without any usual paperwork hassle. The company also offers low premiums, free pickup and drop claim tracking, easy insurance renewal, and 24/7 service to its loyal customers. They also offer a wide range of coverage options, including a comprehensive plan and various add-ons to meet their customers’ needs. ACKO has tie-ups with over 4,000 network garages across India, and its claim settlement ratio for FY 2023-24 stands at 99.10%.

SBI General Car Insurance SBI General offers car insurance with extensive protection for own damage, third-party liability, and natural calamities. Customers can choose from flexible add-ons such as roadside assistance, zero depreciation, and engine protection. The insurer has partnered with over 7,000 cashless garages and provides a streamlined claims process, giving it a competitive claim settlement ratio of 98% for FY 2024–25. SBI General is known for its strong customer support and reliable digital services.

Digit Car Insurance Digit Insurance is one of the popular insurance companies in India, which offers multiple car insurance plans. The features of these plans include a paperless process, easy claims, fast digital online purchases, car damage coverage, third-party coverage, and personal accident cover. Their wide range of plans includes add-ons like zero depreciation, engine protection, consumable covers, and roadside assistance. They cover a wide range of vehicles, including brand new cars, second-hand cars, electric cars, old cars, commercial cars, and CNG Cars. Digit has partnered with over 9,000 network garages across India, and its claim settlement ratio for FY 2024-25 stands at 96.10%.

Tata AIG Car Insurance Tata AIG car insurance covers theft, accidents, natural disasters, and third-party damages, with optional add-ons for zero depreciation, roadside assistance, and consumables cover. The insurer has a widespread network of 7,500+ garages, enabling cashless repairs across India. Tata AIG focuses on quick claims resolution, transparency, and personalized coverage options, with a claim settlement ratio of 91.8%.

Reliance General Car Insurance Reliance General car insurance offers comprehensive protection for own damage, third-party liability, and natural calamities. Its policies come with optional benefits such as zero depreciation, engine safeguard, roadside assistance, and key replacement. Reliance General has over 11,000 network garages and provides seamless claim settlement, reflected in a strong claim ratio of 98%. Customers praise its user-friendly digital interface and fast service.

Conclusion Selecting the right car insurance in 2025 goes beyond just meeting legal requirements. It is about ensuring financial security, convenience and peace of mind on the road. Each insurer offers unique strengths, whether it’s wide garage networks, fast claim settlements, digital convenience or customisable coverage options.

ACKO and Digit stand out for their seamless digital processes and customer-friendly add-ons, while SBI General, Tata AIG, and Reliance General offer robust coverage with strong claim support and extensive network garages. By evaluating factors such as claim settlement ratios, coverage types, add-on benefits, and customer service, car owners can choose a policy that aligns with their driving habits and vehicle needs.

Ultimately, informed comparison and careful selection of a car insurance plan can turn an obligatory legal requirement into a reliable shield for your car, ensuring you drive with confidence and peace of mind.

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